US11880843B2ActiveUtilityA1

System, method, and computer-accessible medium for geo-fenced zones

62
Assignee: CAPITAL ONE SERVICES LLCPriority: Aug 11, 2020Filed: Aug 11, 2020Granted: Jan 23, 2024
Est. expiryAug 11, 2040(~14.1 yrs left)· nominal 20-yr term from priority
G06N 3/0442G06N 3/0464G06Q 20/40155G06F 16/2379G06Q 20/0655G06Q 20/24G06Q 20/29G06Q 20/3224G06Q 20/3676G06Q 30/0185G06N 3/04G06Q 2220/00G06Q 20/42G06Q 20/0855G06Q 20/405G06Q 20/127
62
PatentIndex Score
0
Cited by
21
References
20
Claims

Abstract

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
       1. A method, comprising:
 receiving, by a processor, a first location of at least one user device associated with a user and a first time information associated with the at least one user device associated with a user, wherein the first location is within a first geographically bounded area, wherein the first geographically bounded area comprises a boundary and a degree of uncertainty around the boundary, wherein the degree of uncertainty corresponds to a degree of error in the boundary; 
 initiating, by the processor, a record for the at least one user device associated with a user based on the first location and the first time information; 
 receiving, by the processor, a second location of the at least one user device associated with a user and a second time information associated with the at least one user device associated with a user, wherein the second location is in a second geographically bounded area that is contained within the first geographically bounded area; 
 calculating, by the processor, at least one transaction based on at least the first location, the second location, and the first time information and the second time information associated with the first location and second location; 
 storing, in the record, at least the first location, the second location, and the at least one transaction associated with the at least one user device associated with a user based on the second location, the transaction further comprising a transaction value, payment information and location information; 
 modifying the at least one transaction by at least increasing or decreasing the transaction value based on at least one parameter prior to automatically initiating a single cryptocurrency payment; 
 creating, by the processor, at least one lightning network associated with the at least one user for the single cryptocurrency payment; 
 dynamically modifying, by the processor, the second geographically bounded area using at least one neural network and at least one trained boundary definition model; 
 transmitting, by the processor to the at least one user device associated with a user, a verification request to initiate the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; 
 receiving, by the processor from the at least one user device associated with a user, a verification confirmation confirming the initiation of the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; and 
 automatically initiating, by the processor using the at least one lighting network, the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area. 
 
     
     
       2. The method of  claim 1 , wherein the at least one user includes a plurality of users and the at least one transaction includes a plurality of transactions each of which is associated with at least one of the users. 
     
     
       3. The method of  claim 1 , further comprising modifying the at least one transaction by at least increasing or decreasing the transaction value based on information associated with the at least one user. 
     
     
       4. The method of  claim 3 , further comprising modifying the at least one transaction by at least increasing or decreasing the transaction value based on at least one further transaction associated with at least one further user. 
     
     
       5. The method of  claim 1 , further comprising sending, to the at least one user, at least one of (i) information about the second location or (ii) transaction options available at the second location. 
     
     
       6. The method of  claim 5 , further comprising sending the information based on a time of day. 
     
     
       7. The method of  claim 5 , further comprising sending the information based on user preferences of the at least one user. 
     
     
       8. The method of  claim 1 , further comprising:
 determining a time the at least one user spent at the first location; and 
 storing, in the record, at least one second transaction which is based on the time. 
 
     
     
       9. The method of  claim 1 , further comprising transmitting a confirmation of the creation of a record. 
     
     
       10. The method of  claim 1 , further comprising modifying the record by at least increasing or decreasing the transaction value based on additional information transmitted by the at least one user. 
     
     
       11. A non-transitory computer-accessible medium having stored thereon computer-executable instructions for automatically initiating a payment, wherein, when a computer arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising:
 receiving a first location of at least one user device associated with a user and a first time information associated with the at least one user device associated with a user, wherein the first location is within a first bounded area, wherein the first geographically bounded area comprises a boundary and a degree of uncertainty around the boundary, wherein the degree of uncertainty corresponds to a degree of error in the boundary; 
 initiating a record for the at least one user device associated with a user based on the first location and the first time information; 
 receiving a second location of the at least one user device associated with a user and a second time information associated with the at least one user device associated with a user, wherein the second location is in a second bounded area that is contained within the first bounded area; 
 calculating at least one first transaction based on at least the first location, the second location, and the first time information and the second time information associated with the first location and second location; 
 storing the at least one first transaction associated with the at least one user device associated with a user based on the second location, the first transaction further comprising a first transaction value, a first payment information and a first location information; 
 receiving a third location of the at least one user device associated with a user, wherein the third location is in a third bounded area that is contained within the first bounded area; 
 storing at least one second transaction associated with the at least one user device associated with a user based on the third location, the at least one second transaction further comprising a second transaction value, a second payment information and a second location information; 
 modifying, based on at least one parameter, the at least one first transaction by at least increasing or decreasing the first transaction value and the at least one second transaction by at least increasing or decreasing the second transaction value prior to automatically initiating a single cryptocurrency payment; 
 creating at least one lightning network associated with the at least one user for the single cryptocurrency payment; 
 dynamically modifying the second geographically bounded area using at least one neural network and at least one trained boundary definition model; 
 transmitting to the at least one user device associated with a user, a verification request to initiate the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; 
 receiving from the at least one user device associated with a user, a verification confirmation confirming the initiation of the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; and 
 automatically initiating, using the at least one lighting network, the single cryptocurrency payment for the at least one first transaction and the at least one second transaction based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area. 
 
     
     
       12. The computer-accessible medium of  claim 11 , wherein a transaction history record includes information related to a physical movement of the at least one user. 
     
     
       13. The computer-accessible medium of  claim 11 , wherein the third location is contained within the second location, wherein the procedures further comprise modifying the at least one first transaction based on the at least one second transaction. 
     
     
       14. The computer-accessible medium of  claim 11 , wherein, after the storing of the at least one second transaction, the procedures further comprise:
 determining if the third location matches the second location; and 
 modifying the at least one second transaction if the third location matches the second location. 
 
     
     
       15. The computer-accessible medium of  claim 11 , wherein the procedures further comprise determining at least one criteria for the at least one user and modify the at least one transaction by at least increasing or decreasing the transaction value based on the at least one criteria. 
     
     
       16. The computer accessible medium of  claim 15 , wherein the at least one criteria includes at least one of (i) that the at least one user is a season pass holder or (ii) that the at least one user is eligible to receive a discount. 
     
     
       17. A system, comprising:
 at least one user device associated with a user; 
 a communication point comprising at least one broadcast beacon located within a first bounded location; 
 a data storage unit; and 
 a server further comprising a memory and a processer, wherein the processor:
 receives a first location of the at least one user device associated with a user and a first time information associated with the at least one user device associated with a user, wherein the first location is within a first bounded area, wherein the first geographically bounded area comprises a boundary and a degree of uncertainty around the boundary, wherein the degree of uncertainty corresponds to a degree of error in the boundary; 
 initiates a record for the at least one user device associated with a user based on the first location and the first time information; 
 receives a second location of the at least one user device associated with a user and a second time information associated with the at least one user device associated with a user, wherein the second location is in a second bounded area that is contained within the first bounded area; 
 calculates at least one first transaction based on at least the first location, the second location, and the first time information and second time information associated with the first location and second location; 
 stores, in the record, at least the first location, the second location, and the at least one transaction associated with the at least one user device associated with a user based on the second location, the transaction further comprising at least a transaction value, payment information and location information; 
 modifies the at least one transaction by at least increasing or decreasing the transaction value based on at least one parameter prior to automatically initiating a single cryptocurrency payment; 
 modifying the at least one transaction by at least increasing or decreasing the transaction value based on at least one parameter prior to automatically initiating a single cryptocurrency payment; 
 creates at least one lightning network associated with the at least one user for the single cryptocurrency payment; 
 dynamically modifies the second geographically bounded area using at least one neural network and at least one trained boundary definition model; 
 transmits to the at least one user device associated with a user, a verification request to initiate the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; 
 receives from the at least one user device associated with a user, a verification confirmation confirming the initiation of the single cryptocurrency payment based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area; and 
 automatically initiates, using the at least one lighting network, the single cryptocurrency payment for the at least one transaction based on the confirmation or the rejection based on the at least one user device associated with a user entering the dynamically modified second geographically bounded area. 
 
 
     
     
       18. The system of  claim 17 , wherein the at least one boundary definition model utilizes location tracking information. 
     
     
       19. The system of  claim 17 , wherein the processor dynamically modifies the second geographically bounded area at least one selected from the group of prior to an event and after an event. 
     
     
       20. The system of  claim 17 , wherein the processor dynamically modifies the second geographically bounded area continuously during an event.

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